The AARP® Essential Rewards Mastercard®
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| Purchase APR (Variable APR) |
19.74% - 28.74% (Verified 11/01/2022) |
| Balance Transfer APR (Variable APR) |
19.74% - 28.74% (Verified 11/01/2022) |
| Credit Score Range | Starting at 700 |
| Annual Fee | $0 |
The AARP® Essential Rewards Mastercard® Review
This is a cashback card issued by Barclays Bank. If you're wondering whether AARP Credit Card is the right card for you, read on.
Key Takeaways
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 19.74% up to 28.74%.
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- 5% Balance transfer fee. The AARP® Essential Rewards Mastercard® charges a fee of 5% on balance transfers, if you transfer the balance within 45 days of opening the account. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of AARP Credit Card
| The Good | The Bad |
|---|---|
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AARP Credit Card FAQ
Does AARP Credit Card have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
What are the AARP Credit Card benefits?
It provides the following benefits:
- Zero fraud liability
What are the relevant APRs for AARP Credit Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.The AARP® Essential Rewards Mastercard® has a variable purchase APR that ranges from 19.74% up to 28.74%. The card has a variable balance transfer APR that ranges from 19.74% up to 28.74%. It also has a variable cash advance APR of 29.24% .
Does AARP Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 15 months.
| Description | |
|---|---|
| Balance Transfer Fee Intro Period | 45 days |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 15 months |
| Balance Transfer APR | 19.74% - 28.74% |
| Balance Transfer Fee Minimum | $5 |
| Balance Transfer Fee % | 5% |
Does AARP Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for AARP Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | up to $39 |
| Late Payment Fee | up to $39 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does AARP Credit Card have a foreign transaction fee?
AARP Credit Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for AARP Credit Card?
The AARP Credit Card customer service number is (888) 710-8756.
What is the support contact email for AARP Credit Card?
The support contact email for AARP Credit Card is online@barclaysus.com.
What is the AARP Credit Card login page?
You can access the AARP Credit Card login page here.
How do people rate the customer service and user experience of AARP Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
How to apply for AARP Credit Card
- Visit the AARP Credit Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
125 South West Street
Wilmington, DE 19801 USA - (888) 710-8756
- Visit Site
- Email Support
Other Services by Barclays Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | 5% |
| Minimum Cash Advance Fee ($) | $10 |
| Foreign Currency Transaction Fee | 3% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $0.50 |
| No Interest Grace Period for Late Payment | 23 days |
| Returned Payment Fee | Up to $39 |
| Late Fee Amount | Up to $39 |
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